Appendix 1

Fee conditions

1) Payments

Terms for submission and execution of payments, special conditions:

  Order submission time1 (Estonian time) Execution day
Money transfers within the Citadele group before 17:00 the same banking day

Regular transfer to another bank:

  Order submission time1 (Estonian time) Execution day
Special conditions
EUR before 15:45 the same banking day

Only SHA allowed. OUR accepted in case of payment with currency conversion
USD, CNY individually, information from the Bank individually, information from the Bank
BYN, RUB before 17:00 next banking day

RUB-only OUR is allowed
GBP, DKK, NOK, SEK, PLN, CAD, CHF, JPY, KZT before 17:00 day after the next banking day
NZD, SGD, MXN AUD before 14:00 day after the next banking day

Urgent transfer to another bank:

  Order submission time1 (Estonian time) Execution day
EUR (including Urgent Estonian Local payment) before 16:00 the same banking day
CAD, CHF before 12:00 the same banking day
GBP, DKK, NOK, SEK, JPY, PLN before 14:00 next banking day
NZD, SGD, MXN before 16:00 day after the next banking day
AUD before 11:00  

Incoming transfers into account:

  Order submission time1 (Estonian time) Execution day
EUR, GBP, DKK, NOK, SEK, PLN before 17:00 on the same bank day if the bank has received information on the payment into the correspondent account of Citadele banka
in other foreign currency before 17:00 on the next bank day after transferring funds into correspondent account of Citadele banka

Commisions:

SHA – Citadele commission fee is paid by the payer (in addition to the amount transferred, but beneficiary`s account is credited by the amount transferred less any commission fees of charged by the correspondent and intermediary banks.
In case of SHA, beneficiary bank ensures delivery of full amount of PSL payment into beneficiary`s account, except when the beneficiary bank has agreed with the beneficiary the commission may be withheld from the incoming amount.
OUR – banks’ commission fee is paid by the payer. Citadele Bank withholds commission fees of Citadele bank and correspondent bank at the moment of payment from the payers account (in addition to the amount transferred). If the beneficiary bank or intermediary bank requests Citadele Bank to pay any commission fee, Citadele shall withhold it from the customer’s account under the acceptance-free procedure.
BEN – banks’ commission fee is paid by the beneficiary.

European payments (EU regulated payments, SEPA) are payments in EUR currency within the European Union (as well as Iceland, Switzerland, Liechtenstein and Norway). In order for such payment type to be performed, one must specify the following details in the payment order:

  • Recipient’s IBAN account number,
  • Commission type – SHA (shared);
  • Payment type – standard.

Citadele Bank is not responsible if the recipient bank has not followed the instructions of Citadele Bank that are necessary to execute a payment regulated by the EU for the reasons beyond the control of Citadele Bank.

2) Remote account management systems

All authorisation devices are categorised as follows:

Authorisation device category Daily debit turnover, EUR
MEDIUM 60 000,00 EUR (sixty thousand EUR)
INDIVIDUAL 10 000 000,00 EUR (ten million EUR)

All authorisation devices are categorised as follows:

Authorisation device category Authorisation device
MEDIUM DIGIPASS GO3
INDIVIDUAL Mobile ID2 ; E-signature; DIGIPASS 320 (and older DIGIPASS models)

Following batch limits (limit of several payments approval with single authorization code) are set for authorization device categories:

Authorisation device category Batch limit (number of payments) Batch limit (total amount of payments)
MEDIUM 50 (fifty) 60 000,00 EUR (sixty thousand EUR)
INDIVIDUAL3 500 (five hundred) 2 000 000,00 EUR (two millions EUR)

Effective as of 4 November 2019

 


1Banking day – Monday, Tuesday, Wednesday, Thursday, Friday from 9.00 to 17.00, excluding official holidays of Republic of Estonia and Latvia.
2If Mobile ID or E-signature is not listed in Online banking contract, then Mobile ID or E-signature has limits of respective authorization device listed in contract.
3Number of payments for Digipass 320 and older devices is 50 (fifty)